When does SEPA begin?

On February 1st 2014, all domestic credits and debits will use SEPA.

The SEPA Regulation defines 1st February 2014 as the deadline in the euro area for compliance with the core provisions of this Regulation. Effectively, this means that as of this date, existing national euro credit transfer and direct debit schemes will be replaced by SEPA Credit Transfer (SCT) and SEPA Direct Debit (SDD).